How to schedule an appointment with MKG Insurance Agency and MKG Tax Consultants Use our Online Scheduling button on the right to book an appointment, request a service or schedule a meeting.The meeting scheduler will display my up-to-date calendar and let you pick a time.Schedule an appointment 24/7/365

If you're without health insurance and missed the open enrollment deadline don't wait until November 1 to purchase health insurance.

MKG Insurance Agency is pleased to offer Short Term Medical insurance to bridge the gap.

Our international provider network includes over 370,000 health care professionals and facilities in California alone!

Get more details regarding all the benefits available in California with our short term medical insurance plan by contacting us1-866-875-3933

Short term medical insurance from HCC Life Insurance provides policies to California residents needing health care coverage. Temporary health insurance plans are available in a range of deductibles and do not require a primary care physician. In California, resident coverage includes screenings and other preventative care. Short term medical insurance plans in California also include child-specific services.

72 hour waiting period for illness when coverage is purchased within three days of the effective date. Waiting period does not apply to injuries.

Are you looking for auto, home, renters insurance?
Save $500 a year on insurance.

California Low Cost Auto Insurance

GET AFFORDABLE AUTO INSURANCE IN TWO EASY STEPS

1. Complete the Eligibility Questionnaire
2. Contact MKG Insurance agent at no cost 559-293-4977
CLICK HERE TO SEE IF YOU ARE ELIGIBLE
WHO QUALIFIES?
TO BE ELIGIBLE FOR THE CALIFORNIA’S LOW COST AUTO INSURANCE PROGRAM (CLCA),

YOU MUST:

HAVE A VALID CALIFORNIA DRIVER’S LICENSE
MEET INCOME ELIGIBILITY GUIDELINES
OWN A VEHICLE VALUED AT $25,000 OR LESS
BE AT LEAST 19 YEARS OLD

The annual premiums in California vary by county, ranging from $315 to $556.
Discounts are available if you have been a licensed driver with 3 years of good driving history.

MKG Insurance Agency CA License #0J03013

Serving all of Fresno/ Clovis Metropolitan Areas

Quick Facts: October is the month to change or renew your existing health insurance.

Open enrollment for Covered California health insurance plans happens once a year. For coverage that begins on Jan. 1st open enrollment begins on Nov. 1st, and lasts until January 31st (Medi-Cal enrollees are not limited to this period, and do not need to renew their enrollment in Medi-Cal during this time, because Medi-Cal enrollment is year-round.)

Purchasing health insurance through Covered California has many advantages. Covered California is the only place where an individual can learn about and use federal financial assistance that can help reduce health care costs. Consumers can also learn if they are eligible for low-cost or no-cost Medi-Cal. This also includes the ability to make true "apples to apples" comparisons of health insurance plans.

Avoid Obama Care Penalties"

Don't have health insurance? Enroll now to start coverage in January 1 on your 2017 taxes.

The fee for not having health coverage is calculated one of 2 ways. If you or your dependents don't have insurance that qualifies as minimum essential coverage you'll pay either a percentage of your household income or a flat fee -- whichever is higher.

Who's at risk for a tax penalty?

Anyone who does not have a plan that meets Minimum Essential Coverage requirements may be subject to the tax penalty. A few examples of those who may be subject to the tax penalty are:

Those that choose to be uninsured.

Anyone who buys a health insurance plan that does not qualify as Minimum Essential Coverage.

Consumers that have a gap in coverage of more than three months between health insurance plans.

Who's exempt from the tax penalty for individuals and families?

Find out if the individual mandate applies to your situation
Use our subsidy estimator to figure out how the individual mandate applies to you

If you are not exempt - the annual tax penalty you would be subject to if you don't buy or maintain a plan that meets Minimum Essential Coverage requirements.

Whether or not you're eligible for a premium subsidy and the estimated amount.

What is the tax penalty?

The tax penalty will continue to increase from 2014 to 2016. After 2016, it will increase in relation to the cost of living. Also, the tax penalty is the greater of the specified percent of income or the flat dollar amount.

Tax Penalties by Year

Year

Tax as a % of income

Minimum flat dollar amount per adult

Minimum flat dollar amount per child

Maximum flat dollar amount per family

2014

1.0%

$95.00

$47.50

$285.00

2015

2.0%

$325.00

$162.50

$975.00

2016

2.5%

$695.00

$347.50

$2,085.00

Note: The flat dollar amount (tax penalty) is the lesser of the maximum flat dollar amount per family (noted in the table above) or the sum of the minimum flat dollar amounts applicable to each individual in the family (noted in the table above).

2016 tax penalty examples - See how it applies to your family

Example 1: A family of three

If a family of three (two adults, one child) has a household modified adjusted gross income of $100,000, and does not have major medical insurance and does not otherwise qualify for a penalty exemption, the 2016 penalty for this family would be calculated as follows:

Figure out the total flat dollar amount:

Flat dollar amount per adult = $695 (multiply this by 2 because there are two adults)

Flat dollar amount per child = $347.50

Add the flat dollar amount together from above = $2,085.00

Figure out the 2.5% of income: 2.5% multiplied by $100,000 = $2,500.00

Use the greater of the two to find out what your 2016 penalty is: $2,500.00

Under certain circumstances, an individual may be exempt from the individual responsibility requirement. These circumstances include the following:

The individual is uninsured for less than three months of the year

The lowest-priced coverage available to the consumer would cost more than 8% of the consumer's household income

The individual does not have to file a tax return because his or her income is too low

The individual is a member of a federally recognized tribe or eligible for services through an Indian health care provider

The individual is a member of a health care sharing ministry

The individual is a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare

The individual is incarcerated, and is not awaiting the disposition of charges

The individual is not lawfully present in the United States

Some types of exemptions are available only through the tax filing process; some are only available through a Marketplace; and some are available through either channel Hardship Exemptions

There are certain circumstances that affect an individual’s ability to purchase health insurance coverage and which may qualify an individual for a hardship exemption. To make the determination, the Marketplace considers whether an individual has experienced one of the following events:

Becomes homeless

Has been evicted in the past six months, or is facing eviction or foreclosure

Has received a shut-off notice from a utility company

Recently experienced domestic violence

Recently experienced the death of a close family member

Recently experienced a fire, flood, or other natural or human-caused disaster resulting in substantial damage to individual property

Filed for bankruptcy in the last six months

Incurred medical expenses in the last 24 months that resulted in substantial debt

Experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member

Expects to claim a child as a tax dependent who has been denied coverage in Medicaid and CHIP, and another person is required by court order to give medical support to the child. In this case, the individual would not have to make a payment for the child

As a result of an eligibility appeals decision, is determined eligible for enrollment in a QHP through a Marketplace, the premium tax credit, or cost-sharing reductions for a period of time during which he or she was not enrolled in a QHP through a Marketplace

Was determined ineligible for Medicaid because his or her state did not expand eligibility for Medicaid under the Affordable Care Act

Lost insurance coverage because his or her individual plan was cancelled and believes other available coverage options are un-affordable

Only individuals under age 30 and individuals with hardship exemptions may purchase a catastrophic plan. Catastrophic plans typically have high deductibles, and mainly protect individuals from very high medical costs.

We are an independent agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right price with the right service. Whether you have the ideal history, preferred companies desire, or a not so perfect history, we find the right coverage, with the best company, at the best price for you. Make the latest changes to your policy directly from our website twenty-four hours a day, seven days a week. Use any of our convenient forms located at the left for policy service directly from your home or office. As an independent insurance agent we can offer the right coverage's with the personal touch you would expect from your neighborhood insurance agent.

Everyone Deserves Legal Protection

Pre-Paid legal services offered for a low monthly service will give you total access total freedom to at network of law firms that will provide free legal advise on any matter, family law, businesses, estate planning, divorce, living will, IRS audit assistance, traffic tickets and much more. . .to learn about legal shield Legal Shield Plans click link to apply

Are you looking for someone to finally explain how your personal or commercial policy works?

Have you been wondering if you are paying too much money while being under insured?

Ever get tired of not having a personal relationship with your insurance company?

You may be surprised to know that you could be overpaying for your Personal and Commercial Insurance coverage by hundreds of dollars each and every year.
By shopping your rates you potentially could save a lot of money, but you may ask yourself, "I don't have time to call 10 different companies to shop my rates. At SME, our staff will put together a proposal with the nations top carriers hopefully saving you both time and money!

Are you looking for someone to finally explain how your personal or commercial policy works?

Have you been wondering if you are paying too much money while being under insured?

Ever get tired of not having a personal relationship with your insurance company?

You may be surprised to know that you could be overpaying for your Personal and Commercial Insurance coverage by hundreds of dollars each and every year.
By shopping your rates you potentially could save a lot of money, but you may ask yourself, "I don't have time to call 10 different companies to shop my rates. At SME, our staff will put together a proposal with the nations top carriers hopefully saving you both time and money!

Are you looking for someone to finally explain how your personal or commercial policy works?

Have you been wondering if you are paying too much money while being under insured?

Ever get tired of not having a personal relationship with your insurance company?

You may be surprised to know that you could be overpaying for your Personal and Commercial Insurance coverage by hundreds of dollars each and every year.
By shopping your rates you potentially could save a lot of money, but you may ask yourself, "I don't have time to call 10 different companies to shop my rates. At SME, our staff will put together a proposal with the nations top carriers hopefully saving you both time and money!

Are you looking for someone to finally explain how your personal or commercial policy works?

Have you been wondering if you are paying too much money while being under insured?

Ever get tired of not having a personal relationship with your insurance company?

You may be surprised to know that you could be overpaying for your Personal and Commercial Insurance coverage by hundreds of dollars each and every year.
By shopping your rates you potentially could save a lot of money, but you may ask yourself, "I don't have time to call 10 different companies to shop my rates. At SME, our staff will put together a proposal with the nations top carriers hopefully saving you both time and money!